Lacey Stark

Is Giggle Finance legit? Yes, Giggle Finance is a legitimate fintech startup launched in 2020 by cofounders Jared Kogan and Michael Zevallos. It prioritizes privacy and security, using 256-bit encryption. Your usernames and passwords are never stored, viewed or displayed. Having said that, customer and third-party reviewers say Giggle is a very expensive form of financing. If you have decent credit, you may want to consider other loans that may be less costly funding options for your business.

Holiday loans typically range from $500–$5,000 with APRs from 6%–36% — rates near the low end require a credit score of 670+, while poor-credit borrowers face rates near the top. Funding is fast — usually 1–2 business days — which makes holiday loans viable for last-minute expenses when you need cash quickly. Rates are typically lower than credit cards or store cards, but origination fees add to the true cost — always compare the full APR, not just the advertised rate.

You don’t need to be employed yet to qualify — SoFi and Upstart accept applicants with a job offer letter for a role starting within 90–180 days. Cash advance apps like EarnIn and Cleo have no minimum employment history requirement and can advance $20–$250 without a hard credit pull — useful for immediate short-term needs.